Ezininzi respects, inkqubo ukuthenga impahla kwi-Japan kakhulu iyafana ukuthenga real estate kulo naliphi na ilizweNangona kunjalo, ukuthelekisa inkqubo kusenokuba ngqindilili kwaye ixesha-consuming, ingakumbi ukuba wena musa ukuthetha okanye ukufunda ulwimi. Kule guide, sino umahlule ukuthenga i-nkqubo kwi-isibhozo elula amanyathelo. Kwi-nokuza kwiiveki siza ukupapasha oluneenkcukacha amanqaku kwiqela ngalinye inyathelo. Ukuba ufuna ukucinga ukuthenga i-ekhaya okanye utyalo-mali kwipropati njengokuba foreigner kwi-Japan, yokuqala umbuzo ungaya ngu nokuba foreigners unako ngokuqinisekileyo kuthenga real estate apha. Kukho akukho isemthethweni izithintelo kwi ukuthenga impahla kwi-Japan kuba foreigners. Foreigners ngabo kuphela eliphathiswe liqonga esakube kwi-Bank of Japan ngaphakathi amabini iintsuku ezingama-thenga ka-real ipropati. Akukho mfuneko kuba ubumi okanye kwa yokuhlala visa ukuthenga indlu kwi-Japan.
Nangona kunjalo, ukuthenga impahla kwi-Japan akusebenzi entitle i-purchaser ukufumana i-Japan yokuhlala visa.
Ukuba akunazo olusisigxina yokuhlala-visa, akunjalo, watshata ukuya Isijapanese ummi, okanye akunjalo, ubuncinane resident kwi-Japan ne-i-yamiselwa umsebenzi wembali, kunokwenzeka ngokugqithisileyo kunzima ukufumana financing ukuthenga i-Isijapanese ipropati. Ngokungafaniyo nezinye ezininzi Asian amazwe kwaye ezinye iindawo Hawaii, akukho sesihloko kwi ubunini amalungelo ilizwe (umzekelo, efuna i unyaka emhlabeni ukuqeshisa kwi-lieu ngokupheleleyo ubunini amalungelo ilizwe).
Wokuqala inyathelo lesi-kuba nabani na wanting ukuthenga indlu yokuhlala ngu ukuqala nge-researching i-iinketho eziliqela, ukumisela yakho ephambili, kwaye isigqibo uhlahlo lwabiwo-mali.
Kuya kufuneka iqwalasele ukuba ngaba ufuna ukuthenga omtsha okanye ebesisesomnye yokuhlala, condo okanye ohlukanisiweyo ndlu, okanye ukuba uhlahlo-mali kwaye likhona ixesha, nkqu kuthenga i-iincwadi umhlaba kwaye kuba indlu wakha kuba kuni. Siya kugubungela pros kwaye cons ye ezi nketho kwi ukulandelela inqaku. Jikelele, lenders kwi-Japan anike financing abantu abo ukunikezela akukho ngaphezu amabini anesihlanu yabo yonyaka epheleleyo ingeniso ukuba mortgage-mboleko intlawulo. Irhafu kuzakususa malunga ezintandathu ukuya ezisixhenxe ukuya ukuthenga kwexabiso. Ngolwazi oluthe vetshe kwi rhafu ngxaki, nceda khangela oku isikhokelo kwi Isijapanese real estate iirhafu, kuquka yonyaka fixed-asethi (property) iirhafu, yenza isicwangciso kuba. Ukuba usebenzisa iarhente ukuthenga i-ipropati, kuza kufuneka uhlawule brokerage imali emiselweyo (commission) ezintathu ka-ukuthenga ixabiso dibanisa, oxygen dibanisa lwamanzi irhafu (okwangoku isibhozo).
Nceda khangela eli nqaku kuba: Breakdown Lokuthenga Iintlawulo kwaye Irhafu Xa Ukuthenga Impahla kwi-Japan Abanye Isijapanese iibhanki ingaba ubolekise ukuba resident foreigners kwi-Japan.
Uvumelekile ukuba uninzi kusenokwenzeka ukuba zijongwe favorably nge lender ukuba unayo osisigxina yokuhlala isimo okanye ingaba watshata ukuya Isijapanese ummi. Ezinye iibhanki kanjalo ubolekise ukuba foreigners kunye elide umsebenzi amava kwi-Japan okanye ukuba iqabane lakho sele olusisigxina yokuhlala visa. Nceda khangela eli nqaku kuba uxwebhu kuya kufuneka kwaye apho iibhanki ubolekise ukuba foreigners. Ukuba ungummi non-resident, kuya kuba nzima kakhulu ukufumana lender kwi-Japan, kodwa abanye babe yaba nani kwi meko-yi-meko qho. Ukuqala nge-ukuqokelela ulwazi enokwenzeka financing imithombo.
Private iibhanki kwaye wobulali credit iimanyano anike uninzi izindlu iimali-mboleko kwi-Japan.
Nceda khangela ezi izikhokelo ngolwazi oluthe vetshe: Ifumana i-Home-Mboleko njengoko Foreigner kwi-Japan kwaye Isikhokelo Ekhaya Mortgage iimali-Mboleko kwi-Japan. Isigqibo sokuba ngaba ufuna a osisigxina okanye umahluko inzala imali-mboleko, mna. umzekelo, indlela ebalulekileyo kubalulekile kuba ukuba kufuneka qho ngenyanga intlawulo fixed phezu lonke repayment ixesha. Okwangoku vertical, inzala kwiimali-mboleko zemali ebolekiweyo kakhulu ethandwa kakhulu kwi-Japan ngenxa inzala amazinga zi ku historic lows. Nceda eli nqaku kuba oluninzi Yintoni inzala unako ndifumana kuba ekhaya mortgage-mboleko kwi-Japan.
Xa kufuneka kugqitywe kwi ezisisiseko parameters propati ufuna, lixesha ukuba ngenene-shop jikelele.
Enye indlela elungileyo ukwenza oku ingaba ukufumana comparable iimpahla kwi-sakho banqwenela neighborhood, kwaye ukufumana phandle malunga nje amaxabiso ihlawulwe kuba ezi iimpahla. Kubulungiseleli Umhlaba, iziseko Zophuhliso, Ezothutho, Nokhenketho ubani kwiwebhusayithi ukuze akuncede fumana comparable amaxabiso kuba impahla eyenziweyo. Kuyo real estate iarhente unako kanjalo kuba i-invaluable icebo, okanye ungakwazi ukuqala nge-intanethi ukhangela kwi ixabiso trend data kwaye ugqirha ipropati listings kwi-Real Estate Ejapan. Kubalulekile ukuba abekho baninzi vula izindlu kwaye bona njengoko iindawo ezininzi kangangoko kunokwenzeka. Kwi-real estate, akukho nto ngathi ndibona lokuqala-isandla ezininzi ezahluka-hlukileyo iimpahla, ezahlukeneyo ubume, njalo-njalo. ukufumana i-real bazive apho distinguishing imibandela ingaba ezininzi ezibalulekileyo kuwe. Kunokwenzeka iindawo ezininzi ziya kukunceda ukufunda ukuze ukwazi thelekisa iimpawu ngakumbi ngempumelelo. Xa ufuna ukuthenga omtsha condo okanye indlu, kuza kufuneka uzalise isicelo ukuthenga edityanisiwe yi-phambili okanye real estate inkampani.
Amatsha iimpahla, kukho ngamaxesha ohlukeneyo vela a lottery bamthwala ngaphandle kuxhomekeke inani lezicelo ezifunyenweyo, ngoko ke nceda ugcine engqondweni yakho kunikela ukuthenga akavumelekanga ukuba kwamkelwa nasemva kokuba ufake isicelo.
Akuyi kanjalo kubekho inkqubo yesicelo ukuba iqhele phakathi ¥, kwaye ¥, ukuba uza kuba wabuyela ukuba isicelo sakho ngu-hayi olwamkelekileyo. Kwimeko apho samkelwe isicelo sakho, le mali iya kwabelwa earnest imali ukuba uza kuhlawula ngexesha usenza ukuthenga sivumelwano. Ukuba ufuna ukucinga ka-ukuthenga i-condominium, nceda khangela: Buza Imibuzo Xa Ukuthenga i-Condominium kwi-Japan Xa ufuna ukuthenga i-ebesisesomnye yokuhlala, ungafuna ukuba angenise incwadi locwangciso ukuba nomthengisi bafanele ukubonisa. Isizathu sokuba ukusebenzisa incwadi injongo kukuba kwazisa nomthengisi bafanele ukubonisa ukuba uphelelwe seriously kokuqwalasela bethenga-propati.
Kukho ezininzi kangangoko unako imixholo incwadi locwangciso, kodwa yayo real injongo kukuba ukukhonza njengoko ekuqaleni incopho wakho uthetha-thethwano.
Siya kugubungela iqhosha imixholo a lohlobo leta locwangciso kwi ukulandelela inqaku. Earnest imali idiphozithi ukuba umthengi akahlawuli ukuba nomthengisi bafanele ukubonisa ukuba kubonakale seriousness lomthengi ke, injongo. Kubalulekile idla - ka-elipheleleyo lokuthenga ixabiso, kwaye ngokubanzi, kuya kuba counted njengenxalenye iyonke yokuthenga ixabiso xa yaba ngu esikolweni. Ngexesha elinye ufuna kokufaka wakho ileta ka-buchule okanye isicelo ukuthenga, kuza kufuneka begin imali-mboleko phambi-ukuvunywa (okanye phambi-ngaba ukujonga) inkqubo nge uthetha neqabane lakho lender. Ukuzothi ga, uza kucelwa ukuba ungenise iikopi uchazo amaxwebhu ezifana yakho incwadana yokundwendwela kwaye wobulali umqhubi ke sephepha-mvume, umntu nje siqinisekiso, kunye yakho yonyaka irhafu receipts. I-Inkcazo ye Imicimbi Ebalulekileyo yi isemthethweni yaziswe uxwebhu ezilungiselelwe yi-nomthengisi bafanele ukubonisa ke, iarhente ukuba nicinge ukuba ziqulathe zonke ezi zinto ulwazi na umthengi ingaba ufuna ukwazi ukuba abe nako ukwenza i-ezifanelekileyo yokuthenga isigqibo. Phantsi Isijapanese umthetho, kuyinto ukubhalwa uxwebhu ukuba kufuneka azale ukuba umthengi (kananjalo wachaza ngomlomo ngendlela efanelekileyo) phambi kokuba umthengi ke uphumezo ukuthenga sivumelwano. I-Inkcazo kusenokuba naphi na kwi amabini ukuba anamashumi amaphepha ixesha elide, kwaye njalo ke idla entails ebalulekileyo isixa-mali umsebenzi nomthengisi bafanele ukubonisa ke, iarhente ukuba edityanisiwe. Isizathu Inkcazo ngu ukunciphisa inani disputes ukuba aphule ngaphandle phakathi buyers kwaye abathengisi bathenga ngamalungelo ngokwenza ngokuqinisekileyo buyers kuba ukutya ulwazi phambi kokuphumeza a ngokusemthethweni-bophelela yokuthenga sivumelwano. Siya kugubungela imixholo a lohlobo Inkcazo ye Ebalulekileyo Imicimbi uxwebhu kwi ukulandelela inqaku. Xa ufuna uvuma kunye umxholo i Inkcazo ye Imicimbi Ebalulekileyo, lixesha ukuba umqondiso Ukuthenga Sivumelwano. Kufuneka uqinisekise ukuba ukuthenga isivumelwano iqulathe zonke imicimbi kufuneka ekuvunyelwene ngalo nomthengisi bafanele ukubonisa. Ukongeza, ukuba yakho yokuthenga baya kuqhubeka ngethuba eliphakathi lonyaka, kufuneka uqinisekise ukuba nomthengisi bafanele ukubonisa ithembisa ukuba ahlawule indawana Fixed Asethi Irhafu kwaye Isixeko Ucwangciso Irhafu ukuba corresponds ukuba inani leentsuku nomthengisi bafanele ukubonisa owns propati ngaloo nyaka. Kwi-enye, uyakwazi isaphulelo ukuthenga ixabiso nge-kwayena lo isixa-mali.
Ukuze atyikitye Isijapanese sivumelwano kunye lezomthetho, kuza kufuneka ufumane stamp okanye tywina wawenza kunye igama lakho kwi-Isijapanese iimpawu, ihamba kunye ubungqina ukuba kufuneka ebhalisiweyo i-stamp ngokusemthethweni igama lakho kunye yengingqi yakho kwiwadi-ofisi.
Uza kanjalo kufuneka ahlawule earnest imali (okanye echaza le earnest imali ukuba kubekho imali ehlawulweyo ngexesha le leta injongo), apho usebenza njengoko isemthethweni kwesigqibo okanye quid pro nemeko yelo xesha ukuba umthengi ngu ethanda ukuba bangene bophelela isivumelwano kunye nomthengisi bafanele ukubonisa.
Ngexesha a yokuthenga kwesi sivumelwano yi usetyenzisiwe, uza kanjalo kufuneka formally isicelo semali-mboleko ukuba unayo sele ophunyezwe imali-mboleko phambi-ngaba ukujonga nkqubo kwaye kufuneka financing imali elipheleleyo lokuthenga kwexabiso. I-kulandelwe imali yokwenza isicelo kusenokuba i-arduous kwaye ndazikhupha ebalulekileyo isixa sexesha. Kwi-avareji kuthatha malunga kwiinyanga ezimbini ezidlulileyo ukugqiba imali-mboleko isicelo.
Xa bank finishes yayo underwriting ukuba isicelo sakho kwaye lilo eliya kuphumeza-mboleko yakho, uza kufuneka atyikitye ukuthelekisa Isijapanese ulwimi imali-mboleko amaxwebhu.
Kwi-Japan imali-mboleko sivumelwano kwaye mortgage kwi-mboleko (ekunene kuba bank ukuba ube nokhuseleko inzala kwi-ipropati njengoko collateral kuba mboleko yakho) ikholisa yinxalenye efanayo isivumelwano impahla. Inzala kwi-mboleko iza ngokuqhelekileyo ukuqala accruing ngalo mhla, kodwa endaweni yoko ngexesha ngaba ngokwenene ukufumana imali-mboleko proceeds (eyaziwa njenge-drawdown umhla). Oku kanjalo ixesha kuba yokugqibela yesitalato khangela propati ukuba uqinisekise ukuba yonke into njengoko kwakucwangcisiwe. Xa echaza ka-ukuthenga ixabiso ufumana imali nomthengisi bafanele ukubonisa, kuya kuba nzima kakhulu ukuba unwind i-intengiselwano. Le yokugqibela isiganeko unga kufumana intuthuzelo ukuba ufuna ukuthenga into kuwe intended phambi kokugqiba yaba. Kukho idla a kulandelwe intlanganiso kunye nomthengisi bafanele ukubonisa kwaye ummeli we-lender ukugqiba ukuthenga yakho entsha yokuhlala. Uza kanjalo ufuna kuba isemthethweni scrivener kaloku ukuba wenziwe wagunyazisa yi-nomthengisi bafanele ukubonisa ukuba umthetho kuhambo lwakhe okanye yakhe egameni ukutshintsha isemthethweni ubhaliso. Inkqubo esemthethweni scrivener ufumana umntu ngubani onoxanduva kokugqiba isemthethweni unikezelo yobhaliso ubunini ukusuka nomthengisi bafanele ukubonisa ukuba umthengi egameni nomthengisi bafanele ukubonisa, kunye nokuqinisekisa ukuba uqinisekile ukuba egameni lomthengi ukuba kukho akukho ngomzuzu wokugqibela engalindelekanga mortgages okanye ezinye yomnye umntu encumbrances kwi-propati.
Ekugqibeleni, ukulungele yiya kwi-kwaye qala enjoying yakho entsha ipropati.
Musa xana kwifayili iirhafu kwi-Japan unyaka emva kokuba uyise kwi yakho ekhaya, ngoko ke ungakwazi kufumana inzuzo i-mortgage-mboleko deduction kwindlela yakho personal irhafu. Kwi ulandelo nqaku, siza kuxoxa ekhaya mortgage-mboleko deductions kwi-Japan. kwaye zethu iqabane lakho LINC real estate abacebisi ingaba pleased ukuba ikho zilandelayo iisemina enxulumene ukuthenga i-home kwi-Japan kwaye investing kwi-Tokyo real estate. I-iisemina bakhululekile kodwa seating ngu limited.
